AO Commission Calculator
Business Expenses/mo avg ·
Listed monthly costs of running your business. These settings apply to every tab.
Weekly lead costs are converted to an average monthly budget using 52 weeks ÷ 12 months. Actual monthly billing varies with the number of weekly charges.
Lead volume is estimated. Sales targets are planning assumptions, not guaranteed results. Production depends on contact rates, follow-up, placement, and agent performance.
Alpha CRM is shown at its full $119/month price. No discounts or setup fees are applied.
See What Consistent Production Can Build
Adjust your weekly sales and see how your recurring commission could grow.
Your weekly production
After listed expenses, before taxes
Lead volume is estimated. Sales targets are planning assumptions, not guaranteed results. Production depends on contact rates, follow-up, placement, and agent performance. Your weekly sales input is set separately from the lead program and may include referrals and other lead sources.
Projected monthly commission
Hover or tap a month for detailsAdd Mutual of Omaha Term Life Express sales next to the health book. Uses the same commission level. Life sales are entered separately, because not every health client buys a life policy.
How these numbers are calculated
Month-by-month projection
Policy counts are rounded estimates. Calculations use unrounded expected values.
Assumptions and limits
- Uses ACA Alternatives monthly commission rates only. Med Mutual Protect is not projected here; its first-year, advance, and renewal calculations stay on its own tab.
- Every new policy is assumed to have the selected age band and coverage type.
- New policies become effective and commissionable in the month they are added and earn a full month’s commission. Retention starts applying the following month.
- Retention is an illustrative assumption, not AO’s actual historical retention. The annual rate is spread evenly across months (monthly factor = annual retention1/12).
- A year is 52 weeks, so new policies per month = weekly policies × 52 ÷ 12.
- Policy counts are expected values and can be fractional internally. Displayed counts are rounded estimates.
- Total projected commissions is the sum of the monthly projection. Annualized commission is the final month × 12. They are different figures.
- Projections assume a constant sales pace and commission schedule.
- Business expenses: recurring listed expenses apply every month starting in month 1. One-time startup expenses apply only in month 1. Weekly lead costs use the 52 ÷ 12 monthly average.
- “After listed expenses, before taxes” subtracts only the expenses listed in Business Expenses. It is not take-home pay.
- The lead program selection changes expenses only. It does not change your weekly sales assumption.
New sales
Existing renewal book
The existing renewal book is calculated separately from new sales. New policies above are not counted as renewal policies.
How these numbers are calculated
Med Mutual Protect commission schedule
Under 65 product schedule only (Home Health Care excluded). Effective October 1, 2026. The schedule lists advances of 3–6 months.
Assumptions and limits
- Every slider default is an illustrative assumption. None of them are verified production numbers or premium averages.
- The 12-month figure is the full first-year commission tied to 12 months of sales at the selected pace. It is not cash received during that calendar year.
- Advances are estimates, subject to eligibility, and may be recoverable. They are never added to the full first-year commission.
- Renewal commission applies only to the existing renewal book entered. New sales are not moved into renewal in this illustration.
Single profile
Annualized commission shows what the selected active book would generate over 12 months if every policy remained active and commissionable at the displayed rate.
Build a mixed book
When this is on, the counts below drive the results and the single-profile slider is turned off.
How these numbers are calculated
ACA Alternatives commission schedule
Fixed monthly commission per active, commissionable policy.
Assumptions and limits
- The active-policy default is an illustrative assumption, not a verified production number.
- Annualized commission describes an existing active book over 12 months. It is not first-year earnings while a book is being built.
- No advance or renewal guarantee is shown, because none is established in the schedule.
New sales
All three Term Life Express options use the same commission rate. The term does not change the result.
How these numbers are calculated
Term Life Express commission schedule
Percent of annual commissionable premium. Term Life Express only (15/15, 20/20, 30/30 share these rates). No other Mutual of Omaha products are included.
Assumptions and limits
- Slider defaults are illustrative assumptions, not verified production or premium averages.
- The supplied schedule does not establish advance or renewal terms, so none are shown.
Both products use the commission level selected above. Life sales are entered separately, because not every health client buys a life policy.
Med Mutual Protect
Existing renewal book
ACA Alternatives
Mutual of Omaha TLE
Figures labeled “after listed expenses, before taxes” subtract only the business expenses listed in this calculator. They are not take-home pay.
Build Your Book projections assume a constant sales pace and commission schedule. Actual policy activation and payment timing may differ.